Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$116,603Cash toward the purchase price.
Closing costs + prepaids$17,708Not just lender fees.
Before credits & paid funds$134,311The complete starting cash picture.
Estimated remaining funds due at closing
$134,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,603.31
Your down payment$116,603.31
Closing costs + prepaids$17,707.67
Total buyer cash needed$134,310.98
Remaining funds due$134,310.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,391.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,776.75
Prepaid interest, first (31 days)$2,120.94
Fees + prepaids$17,707.67
Your down payment is the seller’s equity. You take over the $478,397 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $134,310.98 is due at closing. Uses and sources reconcile at $612,707.67 each. Not a Closing Disclosure.